It’s a new year and I am sure you read a few blogs discussing New Year resolutions and all that good stuff. There is nothing like starting the year feeling refreshed and ready to tackle anything that comes your way. We are still in the beginning stages and by this time some people are going hard on the goals they want to accomplish this year.
2018 needs to be different it’s a year we will never see again and it is time to make major changes in our lives. If you planned to go back to school, go ahead and do it. If your goal is to go on a cruise, go skydiving, or attend network events then go ahead and knock yourself out. The time to do it is now, you’ve procrastinated long enough! Why let another year go by?
With that being said, there are somethings YOU SHOULD NOT PROCRASTINATE about this year. Forget about what you did last year, or the year before. This is 2018 and we are not going to make room for error. If we happen to make a mistake we are going to learn from it and keep it moving.
FINANCES: we take extra money for granted. Tax season is ahead of us, be sure you are smart about your returns. Do not spend aimlessly because you have extra money in your bank account. If you owe any tax returns be responsible, set up a payment plan and GET RID OF THE DEBT! For people who get a tax return think about what you are spending your money on. Take a moment and ask yourself is this a good investment? Wealthy people typically purchase things that are going to make them more money, and you should do the same. Doesn’t that make MORE cents? lol
I was once told to pay myself with every paycheck after I pay my tithes of course. Treat paying yourself like a bill. Put it in an account you are not going to touch or find a shoebox and put it under your bed. Either way, it is vital to save money for emergencies. Take a moment and think about what you should stop spending your money on. If you think long and hard you will figure out where your countless spending is going. Take that money and start saving, no matter how much or little money that is.
Some people put whatever they can into their account, you can start with $5 or $10. It’s still early in the year and it is not too late to do the 52-week money challenge.
Paying debt should be on the top of your priority list. Contact those creditors and loan officers to discuss what payment plan is the best fit for you. The more you ignore it, the lower your credit will be. No one wants to live their entire life in debt but it starts with a conversation and making small payments. Everything is negotiable so let creditors know your situation and see what can be done about it. This is not something you should PROCRASTINATE about!
Websites like Credit Karma or Free Credit Score.com allow you to see your credit score. It is typically an estimated number but it is a good place to start. If you have a credit card some companies like Discover shows customers their FICO score, which gives you an idea of where your credit stands. Every year you are able to get a free credit report to see what is on your credit. If there is something that does not sit well with you, you can file a dispute. Understand your score and know what that score means. Your goal should always be to raise your credit score because it shows creditors that you are responsible and a “good borrower”.
EDUCATION: you don’t necessarily need to go a university to obtain an education or be successful. Some people attend workshops, self-help courses, trade school, or conferences. A lot of successful people read books to educate themselves and you can do it too!
There is nothing powerful than a person that is educated. Technology has allowed people to learn in more ways than one. People with busy schedules complete online programs to get the schooling that they need. There are programs that will take your career into consideration and allow you to obtain knowledge to further your career.
A lot of parents and adults receive tuition reimbursement while they are in school during employment. If you fall into this category it’s vital to take advantage of the benefits your job provides. There is no excuse to not further your education! If advancing to a higher degree is a goal this year, you need to make that happen. DO NOT PROCRASTINATE!
GOALS: I was told a goal without a plan is simply a dream. This statement has so many values. Have you ever talked to someone who had great ideas and that was it? I think we all know at least one person like that. Some people will say I don’t have the time anymore or I am going to wait until the kids get older. Why prolong something you feel so strongly about?
There is a difference between people who are successful and who are not, and that difference is GRIT. This is when someone has a passion for something and no matter how long it takes, they are going to strive until it happens. Those are the people you need to be around. It’s important to have grit in order to be successful. Nothing is going to overt overnight. It takes time, patience, and energy to follow something, especially when doors get slammed in your face.
When you have an idea it’s common to hear the word no a lot. Not everyone is willing to take a risk on your vision. But the more you stick with it and display your passion, people will come around and before you know it, that idea will come to life and you will be surprised where life takes you.
WELL BEING: taking care of yourself is nothing to tamper with. Once YOU become an adult you are the only person responsible for your healthcare. Some people take their health for granted especially when it comes to mental health. Some think they can get over burdens on their own, or they don’t need specific medications for help, however, your body has a way of telling you when something is wrong. Do not ignore these signs and get the help that you need.
Mental illness is just as important as somatic health issues. Despite your education, employment status, or finances, you too can experience a mental illness. It can come from a difficult loss or struggle with finances which is common.
The more we prolong our healthcare the difficult it will be when we can’t take it anymore. Regards to mental illness, it is critical to be truthful to yourself for your wellbeing. Do not be ashame or think you are less of a person because you have to talk to someone about your issues. Your healthcare is YOURS. Take the time to talk to a healthcare professional if you are experiencing any level of depression, anxiety, or other mental illness. No one is perfect but those who invest in themselves learn that we live in a world of imperfect people.
Community Convo: what are your goals this year? How are you going to conquer your goals this year? Did anything in this article peek your interest, if so what was it?